If you operate a vehicle in Illinois, it may be necessary for your insurance company to make an SR 22 filing. Let’s discuss these SR 22 filings in Illinois and explain why they are necessary and more details on the process involved.
SR 22 filings are necessary for drivers who have gotten involved in a number of infractions. One of the most common problem is a driver in Illinois who drove his/her vehicle without adequate auto insurance. The laws of Illinois are very strict when it comes to mandatory auto insurance coverage.
So if someone is caught operating a vehicle without adequate coverage, the driver is normally required to obtain SR 22 filings in order to continue to operate the vehicle legally in the state.
Other issues which can lead to the requirement for SR filings can include the following:
- Operating a vehicle while under the influence of alcohol or drugs
- An excessive number of traffic infractions over a short period of time
- Driving with a suspended license
- Involvement in an at fault fatal accident
- Parking suspensions
- Failure to pay child support
In order to avoid losing your license or the ability to operate your vehicle legally, you may have to obtain SR 22 coverage from an insurance company. Once this coverage is obtained, the insurance company will typically take care of all necessary SR filings so that you are in compliance.
The filing is a form which confirms to the state that you have insurance coverage which meets the states minimum requirements. For Illinois, the minimum liability coverage is as follows:
- $20,000 for one person who may be killed or injured
- $40,000 for more than one person who may be killed or injured
- $15,000 for property damage
Illinois normally requires that SR 22 coverage and filings need to continue for a probationary period of three years. During this time, continuous insurance coverage must be maintained. If there is a lapse, your insurance company is required to notify the state and you may lose your license or be subject to fines and penalties.
It is therefore very important to follow procedure and make certain that the SR 22 filings are made with the state. For more information on procedures and requirements, check with the Illinois Motor vehicles bureau for detailed instructions. It will show exactly what needs to be done to remain in compliance.